In the eyes of scammers and thieves, credit cards are the holy grail. Data from the Australian Payments Network shows that over the 2017-18 financial year, credit card fraud grew by 4.8% to $565 million – more than five times the amount lost to other scams put together.

At some point in your life, you’ll probably decide to apply for your first credit card. But if it’s your first time, you will likely have a lot of questions about the whole credit card application process, how to use a credit card, and what different features and costs are associated with them.

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